Follow the dollars · Assumption only
A complete cash picture for Dec 17, 2026
Your down payment$362,300Cash toward the purchase price.
Closing costs + prepaids$13,906Not just lender fees.
Before credits & paid funds$376,206The complete starting cash picture.
Estimated remaining funds due at closing
$376,206No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$362,299.88
Your down payment$362,299.88
Closing costs + prepaids$13,906.34
Total buyer cash needed$376,206.22
Remaining funds due$376,206.22
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$6,250.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$2,000.00
Insurance escrow (3 months)$500.00
Property tax escrow (3 months)$781.25
Initial HOA (3 months)$114.00
Prepaid interest, first (15 days)$286.09
Fees + prepaids$13,906.34
Your down payment is the seller’s equity. You take over the $262,700 balance, so the rest of the $625,000 price is paid at closing. A second mortgage can cover part of it. $376,206.22 is due at closing. Uses and sources reconcile at $638,906.34 each. Not a Closing Disclosure.